. >> sean phillips with the m a. have a question about transparency, we are seeing more articles in the new york times recently how expensive a sailing trip can be, where one provider will charge $500 and another one charges only $100. these are things that will be difficult for consumers to see, that line item might not be easily broken out, might not see it at all. as you mention it, consumers read through their packages, the package provided by the employer to the employee, not the provider. as you said it gets very complex and some of these fees will not be there. it will be hard for the employee to control their costs. how are the employers going to help the employees with that? >> the good news is most of the health plans now including united and cigna, anthem, a number of health plans on the leading edge have apps, applications that allow people to know a couple things and some third parties like compare health and others. this is a fast-moving field. whether an employee or consumer or patient needs to know, w